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Introduction Fraud Prevention and Detection Motor Insurance Database Information on Products and Services Claims Telephone calls Renewal Information Premium collection Compensation arrangements Regulatory status Security Cookies Introduction We recognise our responsibility to treat the information we obtain about you with care. Please take a few minutes to read this section carefully as it contains important information relating to the details you have given or should give to us. It explains how we may use your details and tells you about the systems we have in place that allow us to detect and prevent fraudulent applications and claims. The savings that we make help us to keep our premiums low. You should show this notice to anyone covered under your insurance policy. We use personal information about you:
Fraud Prevention and Detection To keep our premiums as low as possible we participate in a number of insurance industry initiatives to prevent and detect crime. As a valued customer, we think you'll appreciate the steps we are taking to provide the best car insurance cover. To prevent and detect fraud we may at any time:
To prevent fraud and to ensure that any payments or refunds can be paid to you, we keep your credit/debit card details for the duration of your policy. By providing your card details, you consent to us doing this.
Motor Insurance Database Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the police for the purposes of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurer's Bureau and MIIC may search the MID to obtain relevant policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this by calling us or at www.miic.org.uk
Breakdown assistance If you choose breakdown assistance with your car insurance, your details will be passed to Green Flag. Green Flag breakdown assistance cover is underwritten by UK Insurance Limited.
Claims Under the conditions of your policy you must tell us about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When you tell us about an incident we will pass information relating to it to a database. We may search these databases when you apply for insurance, in the event of any incident or claim, or at renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim. If you make a claim we may need to give information about you and your policy to other people such as our suppliers, investigators and loss adjusters. They will only use the information to help us with your claim.
Information on Products and Services The information you have provided to us will be held and used by us and our agents to provide the insurance services you asked for and may be used by us for statistical analysis. We may contact you by post, email, phone or SMS to keep you informed about other products and services offered by Halifax and Bank of Scotland group companies and for market research purposes, unless you've chosen not to receive such communications. If you prefer not to receive this information and have not previously informed us, please write to the Data Protection Officer, First Alternative, The Observatory, Reigate, Surrey, RH2 0SG, or click here to email us. You have the right to ask for a copy of the information we hold
about you in our records. You will need to pay a small fee. You
have the right to ask us to correct any inaccuracies in your information.
Renewal Information Before the renewal date of your policy, we will provide you with details of the terms on which your policy may be renewed. If we are unable to offer you a policy we will let you know and you may be provided with details of the terms on which your cover will continue via another insurer in our group (we are part of the Halifax and Bank of Scotland group). By taking out this policy you agree to allow a change of your insurer at renewal. If you pay your premium by direct debit, your existing policy may automatically be renewed, or your cover may continue to be provided through another insurer. You will be notified of this before your policy expires and you will be given details of the renewal terms including any changes in your policy cover. If you do not wish to renew your policy, you should tell us before your renewal date. If you do not tell us and your policy is renewed, we will continue to make deductions from your bank account for the new premium. If your insurer changes at renewal, we will ask you to sign a new direct debit form.
Premium collection If you buy breakdown assistance cover, esure Insurance Limited will collect your premium for this cover. First Alternative Car Insurance is underwritten by esure Insurance Limited. esure Insurance Limited is the agent of esure Services Limited who is acting on behalf of Green Flag.
Compensation arrangements First Alternative Car Insurance is underwritten by esure Insurance Limited who is covered by the Financial Services Compensation Scheme (FSCS). In the unlikely event that any firm providing insurance goes out of business or into liquidation, you may be entitled to compensation from the scheme. Generally the FSCS may arrange to transfer a policy to another insurer, provide a new policy or, if these actions are not possible, provide compensation. Compensation for third party motor insurance is covered in full. For other motor insurance, the FSCS will meet the first £2,000 of a claim or policy in full and 90% of the rest of the claim or value of unused premiums. Further information about compensation scheme arrangements is available from the FSCS at 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN. Tel: 020 7892 7300 or www.fscs.org.uk.
Regulatory status First Alternative Car Insurance is arranged and administered by esure Services Limited (no. 2135610) and is underwritten by esure Insurance Limited (no. 3885534), both are part of the Halifax and Bank of Scotland group. esure Services Limited and esure Insurance Limited are authorised and regulated by the Financial Services Authority (FSA) and are entered in the FSA register, number 312063 and 203350 respectively. The name, address and regulatory status can be checked by visiting the FSA website www.fsa.gov.uk/register or by calling the FSA on 0845 606 1234. The registered office for both companies is The Observatory, Reigate, Surrey, RH2 0SG
Telephone calls We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.
Security We believe that security is of the utmost importance to our customers, and we therefore have what we believe are the most secure systems on the market. We use the latest encryption technology, SSL or Secure Socket Layer, which protects your payment details and all your personal information. We are also registered with Verisign, a leading Internet Security Company. To verify the site security, click on the Verisign logo below and this will immediately display our registration certificate. This is proof of our commitment to ensuring your security.
If you pay for your policy by credit card (but not by debit card),
then you will also have the additional protection of the Consumer
Credit Act. Your maximum liability on your credit card is £50
in the event that it is lost or stolen or used fraudulently and
your liability stops as soon as you notify the credit card company
that the card has been lost or stolen or used fraudulently.
Cookies Cookies are small text files which are placed on your computer. We use sessional and persistent cookies to help us to enhance the level of service we provide to you. We use these cookies to record the areas of the site you visit and the length of time you spend viewing them. This allows us to continually improve your experience on the site. The cookies do not identify a user by name. Your browser keeps track of sessional cookies as long as it's running, but deletes them when it is shut down. We use up to 90 day persistent cookies if you come to our site from an affiliate site, as a means of tracking the effectiveness of our online advertising. These cookies do not identify a user by name, and are only used to record what site you came from and whether you return to the site within 90 days. If you object to a cookie being placed on your computer, please adjust your browser to let you know when a cookie is issued or you can choose to have them disabled (although this will prevent us from providing you with a quote),though we may still use your personal data for statistical analysis and, if you decide to buy, in the administration of your policy. Please refer to the website www.aboutcookies.org for more detailed instructions on how to control or delete cookies.
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